Terms and Conditions

1. Introduction

Welcome to Lending Circle, a service provided by Glam Consultancy Pte Ltd. These Terms and Conditions (“Terms”) govern your use of our website and services. By accessing or using Lending Circle, you agree to be bound by these Terms.

2. Definitions

– “Lending Circle,” “we,” “us,” or “our” refers to Glam Consultancy Pte Ltd and its service, Lending Circle.
– “You” or “user” refers to the individual or entity using our services.
– “Services” refers to the loan matching and comparison services provided by Lending Circle.

3. Use of Services

3.1. Eligibility: You must be at least 18 years old and a resident of Singapore to use our services.

3.2. Account Creation: You may need to create an account to use certain features of our services. You are responsible for maintaining the confidentiality of your account information.

3.3. Accurate Information: You agree to provide accurate, current, and complete information when using our services. We reserve the right to verify the information you provide.

4. Service Description

4.1. Loan Matching: Lending Circle provides a platform to match potential borrowers with lenders. We do not provide loans directly.

4.2. No Guarantee: We do not guarantee that you will be approved for a loan or receive any particular terms. Loan approval and terms are at the sole discretion of the lenders.

4.3. Third-Party Lenders: By using our services, you acknowledge that we are not responsible for the actions or decisions of third-party lenders.

5. User Responsibilities

5.1. You agree not to:
– Use our services for any unlawful purpose
– Impersonate any person or entity
– Interfere with or disrupt our services
– Attempt to gain unauthorized access to our systems

5.2. You are solely responsible for any loan agreements you enter into with lenders.

6. Intellectual Property

6.1. All content on Lending Circle, including text, graphics, logos, and software, is the property of Glam Consultancy Pte Ltd and is protected by copyright and other intellectual property laws.

6.2. You may not reproduce, distribute, or create derivative works based on our content without our express written consent.

7. Privacy

Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

8. Disclaimer of Warranties

8.1. Our services are provided on an “as is” and “as available” basis. We make no warranties, express or implied, regarding the reliability, accuracy, or availability of our services.

8.2. We do not warrant that our services will meet your requirements or be uninterrupted, secure, or error-free.

9. Limitation of Liability

To the fullest extent permitted by law, Glam Consultancy Pte Ltd shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our services.

10. Indemnification

You agree to indemnify and hold harmless Glam Consultancy Pte Ltd, its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of our services or violation of these Terms.

11. Modifications to Services and Terms

11.1. We reserve the right to modify or discontinue our services at any time without notice.

11.2. We may update these Terms from time to time. The most current version will always be posted on our website. Your continued use of our services after any changes constitutes acceptance of the new Terms.

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of Singapore. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of Singapore.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

14. Entire Agreement

These Terms constitute the entire agreement between you and Lending Circle regarding the use of our services, superseding any prior agreements.

15. Contact Information

If you have any questions about these Terms, please contact us at:

Lending Circle
c/o Glam Consultancy Pte Ltd
18 Howard Road, Singapore 369585
Email: lendingcircle@gmail.com.sg

By using Lending Circle’s services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.